Call reports 2020
ROCHESTER STATE BANK — 2020
What ROCHESTER STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 96,901,000 | 105,612,000 | 108,795,000 | 112,587,000 |
| Total loans | 20,676,000 | 20,776,000 | 21,830,000 | 21,013,000 |
| Allowance for loan losses | 281,000 | 283,000 | 283,000 | 283,000 |
| Securities available for sale | 67,107,000 | 72,463,000 | 75,138,000 | 77,854,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,063,000 | 91,796,000 | 94,484,000 | 98,629,000 |
| Interest-bearing deposits | 67,343,000 | 71,037,000 | 72,606,000 | 76,362,000 |
| Noninterest-bearing deposits | 19,720,000 | 20,759,000 | 21,878,000 | 22,267,000 |
| Equity capital | 9,731,000 | 13,725,000 | 14,163,000 | 13,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 697,000 | 1,335,000 | 1,964,000 | 2,606,000 |
| Interest expense | 38,000 | 76,000 | 117,000 | 158,000 |
| Net interest income | 659,000 | 1,259,000 | 1,847,000 | 2,448,000 |
| Noninterest income | 30,000 | 64,000 | 119,000 | 152,000 |
| Noninterest expense | 527,000 | 1,023,000 | 1,535,000 | 2,005,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 339,000 | 477,000 | 623,000 | 799,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 339,000 | 477,000 | 623,000 | 799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,271,000 | 10,221,000 | 10,368,000 | 10,192,000 |
| Total capital | 10,552,000 | 10,504,000 | — | — |
| Risk-weighted assets | 55,760,000 | 56,031,000 | — | — |